Travel Insurance Reviews AXA Assistance USA Silver
The Silver plan is the most economical of the three plans offered by AXA Assistance USA. Offering protection for a trip cost up to $10,000, this plan provides protection for your basic travel needs. Coverages provided include trip cancellation and delay, medical benefits, and an optional pre-existing conditions waiver.
To learn more, see the AXA Assistance USA Silver product page.
AXA Assistance USA
Silver
Thankfully I did not need to use my travel insurance, however it was comforting just knowing I would be covered if it became necessary. The price for the insurance was comparable to others and I would definitely use AXA again in the future.
Virgina L. would
recommend this plan to a friend or relative.
AXA Assistance USA
Silver
Your company's customer service STINKS!!!!!!! After devastating floods on Kauai just before our trip began, I called to explore coverage due to a natural disaster (declared so by the Hawaii state governor). All I got were two different reps who did nothing but read from your legal-eeze filled conditions of coverage. They offered nothing in the way of interpretation, or application of the policy to our circumstances. Had we actually needed to file a claim, I would have been strictly on my own, not having any clue as to what would be covered, and what would not. We will NEVER again use AXA for travel insurance. It is throwing money away to think AXA might actually cover any part of expenses incurred due to a natural disaster. (We travel a lot, and do purchase travel insurance regularly. Yes, I did file a claim once, for a medical emergency. Yes, one of your competitors did honor our claim. So, I do know something about the process. Yes, I repeat, your company STINKS!!!!!. As a first step, why don't you hire some phone reps that actually try to help your customers. Anybody can read your legal-eeze back over the phone. What is needed is some help with LOGICAL and PRACTICAL interpretation of your policies based on local conditions.)
James P. would not
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Silver
I have bought this plan many times and have only had to use it once. My claim for that trip was handled promptly and payment received in a short time.
Jack D. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Silver
Did not have to use any of the policy so can't give a review. Seemed alright. Company was courteous.
John B. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Silver
It's hard to rate a product when you haven't had to use it.
Charles C. would
recommend this plan to a friend or relative.
AXA Assistance USA
Silver
Thank goodness we didn't need to use the insurance., but I had Peace of Mind knowing that if I needed it it was there
Carole D. would
recommend this plan to a friend or relative.
AXA Assistance USA
Silver
Thankfully we didn't have to use the insurance.
Joseph C. would
recommend this plan to a friend or relative.
The trip included a
cruise
AXA Assistance USA
Silver
We were happy to know you had our back if we needed it. Thank you.
Nancy B. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Silver
All went fine
Patricia K. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Silver
Overall, by having purchased the plan I had peacce of mind if I had a medical issue I would be covered. However, I did not require any medical assistance while traveling so I do not know how the policy would have covered me.
In the further I will purchase the plan again just in case I need it while traveling.
In the further I will purchase the plan again just in case I need it while traveling.
Lloyd A. would
recommend this plan to a friend or relative.
In any travel insurance plan, Trip Cancellation reimburses only if it’s a covered reason as listed in the policy. Covered Reasons vary from plan to plan. With respect to natural disasters, your Trip Cancellation coverage was limited to the following covered reasons:
“...(b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.
(c) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable...â€
Since you called the company 3 days prior to your departure date when your flights were still flying and your resort was still open, there was no basis for a Trip Cancellation claim. We understand that this is never what a customer wants to hear, so the representatives went through the plan to explain the reasons that might apply if your flights were canceled or the resort closed as you got closer to your departure date.
In the future, you may wish to call us for assistance prior to purchasing a policy. You could have purchased Cancel for Any Reason (CFAR) which is an optional benefit offering the opportunity to cancel your travel plans for reasons other than those listed as “covered reasons†on a policy. CFAR gives you greater flexibility and freedom when making decisions about your travel reservations. CFAR is offered as an add-on benefit if you meet certain criteria. Under an AXA Platinum plan, CFAR would reimburse you for 75% of your prepaid, non-refundable travel expenses as long as you met the coverage conditions.
We are sorry to hear that your interaction with AXA was not what you were expecting, but it's important for travelers to understand the importance of the covered reasons listed in all travel insurance plans. Perhaps you will give us an opportunity in the future to insure your trips.